Will I Lose Services or Funding? What You Need to Know

Let’s be real, when the government announces changes to aged care, it’s natural to wonder: Am I going to lose anything?

If you or someone you care for depends on in-home support, that question isn’t just curiosity, it’s about peace of mind. So let’s clear the air.

The short answer? You won’t lose your care.

Here’s the promise: if you’re already receiving a Home Care Package or are on the waitlist by 12 September 2024, you’re covered by the “no worse off” guarantee.

What does that mean for you?

• You’ll keep the same level of funding, or even more, if your care needs have grown.
  
• You’ll pay the same, or in some cases, less in personal contributions.
  
• You can stick with your current provider if you’re happy with them.

But some things will change, here’s how

Support at Home officially begins 1 November 2025. And while you’re not losing care, the way it’s delivered and priced will shift. Let’s walk through the main updates.

1. The service menu is getting a refresh

Support at Home groups services into three key categories: clinical care, independence support, and everyday living. Most of the services you know and use will still be available, but they might look a little different in name or how they’re bundled. Your care plan will be updated to reflect these changes.

2. Your provider might look different (but doesn’t have to)

You’re not forced to switch, but this might be a good time to compare your options. Why? Every provider will now list their prices in a standard, easy-to-compare format on the My Aged Care website. Think of it like browsing a menu before you order, finally, some clarity!

3. New all-in-one pricing, one combined fee

Right now, you’re probably charged separately for things like admin, travel, and service delivery. Under Support at Home, you’ll see a single, all-inclusive price per service. One number, no hidden extras.

Even better? The old care management and package management fees that providers used to charge separately have been merged into one capped fee, limited to just 10% of your quarterly budget. That means more of your funding goes directly toward your care.

4. Contribution changes: What you pay, and why

Everyone will now have contributions assessed based on the services they use and their income and assets.

Here’s how it breaks down:

• Clinical care (like nursing, physiotherapy, and care management): No out-of-pocket costs, fully covered.
  
• Independence services (like personal care or respite): Moderate contributions, these help keep people out of hospital or residential care.
  
• Everyday living services (like cleaning or gardening): Higher contributions, since these aren’t considered essential medical supports.

Services Australia will reassess current income-tested fees and notify you of your new contribution amount, so you won’t be left guessing.

5. Use it, or possibly lose it

Here’s something new: under the updated model, your funding is tied to the services you actually use. This is part of a “utilisation-based” approach, designed to reduce wait times and make sure funding gets to the people who need it most.

So if your funds are sitting unused, they may be redirected. It’s not about penalising you, it’s about making the system fairer and more responsive. You should always put your health at top priority regardless of your contribution.

Staying in control is easier than you think

Worried about getting lost in the shuffle? Here’s how to stay a step ahead:

• Talk to your provider: Ask how they’re preparing for the transition and when they’ll update your agreement.
  
• Review your care plan: Make sure it still reflects your needs. Changed circumstances? Request a reassessment.
  
• Compare prices: You’re not locked in. If something doesn’t feel right, explore your options.
  
• Know your rights: Never sign anything you don’t understand. You can always ask for help.

You’re not doing this alone

At CareAbout, we help people like you navigate these changes every day. Whether it’s comparing providers, understanding pricing, or making sure you’re getting the best care possible, we’re here to help.

One quick chat with an aged care expert could make all the difference, saving you time, confusion, and maybe even a bit of money.